NPS Calculator
Calculate pension corpus and monthly pension from National Pension System
NPS Investment Details
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Minimum: ₹1,000 per month
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For corporate sector employees
Historical NPS returns: 8-12% based on asset allocation
Current annuity rates: 5.5-7% depending on age
NPS Key Features
- • Market-linked returns
- • Low cost (0.01-0.25% expense ratio)
- • Tax benefits under 80CCD
- • Portable across jobs
- • Partial withdrawal allowed
- • Regulated by PFRDA
Enter your NPS investment details to calculate pension benefits
NPS Asset Allocation Options
Auto Choice (Life Cycle Fund)
Age-based automatic asset allocation:
Up to 35 years:75% Equity
36-45 years:65% Equity
46-55 years:50% Equity
55+ years:25% Equity
Active Choice
Choose your own asset allocation:
Equity (Class E)
0-75% allocation
Expected: 10-14% returns
Corporate Bonds (Class C)
Remaining allocation
Expected: 7-9% returns
Government Bonds (Class G)
Low-risk option
Expected: 6-8% returns
Tax Benefits & Rules
Section 80CCD(1)
10% of salary or 20% of income
Max ₹1.5 lakh (within 80C limit)
Section 80CCD(1B)
Additional ₹50,000 deduction
Over and above Section 80C
Section 80CCD(2)
Employer contribution
10-14% of basic salary
NPS Withdrawal Rules
At Maturity (60+ years)
- • 40% lump sum withdrawal (tax-free)
- • 60% must purchase annuity
- • Can defer withdrawal till 75 years
Partial Withdrawal
- • After 3 years of contribution
- • Max 25% of contribution
- • For specific purposes only
- • Limited to 3 times during tenure
Premature Exit
- • Allowed after 10 years
- • 20% lump sum withdrawal
- • 80% must purchase annuity
- • Tax on lump sum amount
NPS vs Other Retirement Options
| Feature | NPS | PPF | EPF |
|---|---|---|---|
| Lock-in Period | Till 60 years | 15 years | Till retirement |
| Expected Returns | 8-12% | 7.1% | 8.15% |
| Tax on Maturity | Partial | Tax-free | Tax-free |
| Maximum Limit | No limit | ₹1.5L/year | Salary linked |
| Flexibility | High | Medium | Low |